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Here's what I might, possibly, hypothetically do. Only store the pin in my head, so it can't possibly be compromised.

Store seed phrase in 2-3 safe locations off-site. I also keep a spare, unused hardware device off-site. If something happens to me, my wife would be instructed to retrieve seed phrase and spare device, and restore from seed. If I forget my pin, restore from seed. If device gets stolen, restore from seed and transfer.

Simple-ish.

That sounds like a not too complicated plan.